6 Best Credit Cards for Income Below INR 25,000

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What is a Low-Income Credit Card?

A low-income credit card is one that is specially designed for those with income below INR 25,000. The credit limit is generally lower than other cards. This limit can increase depending on your payment behaviour, income and credit score.

Top Low-income Credit Cards Available in India

Even though the credit limit is on the lower side, there are few low-income credit cards that can still pack a good punch of rewards and benefits. Here are the top 7 low-income credit cards listed in no particular order:

SBI SimplySAVE Credit Card

What are the Benefits?

  • INR 100 cashback on your first ATM cash withdrawal, if done within 30 days of receiving your card
  • Accepted at over 24 million outlets across the globe, including 3,25,000 outlets in India
  • 1% fuel surcharge at any petrol pump
  • Enjoy 10 reward points per INR 100 spent on dining, movies, departmental stores and grocery

What is the Eligibility Criteria?

  • Age Criteria: 21 and 60
  • Income Criteria: Applicant should have a stable monthly income

ICICI Platinum Chip Credit Card

What are the Benefits?

  • Get everyday offers on travel, dining and lifestyle
  • Get up to INR 600 Amazon Pay Balance on Amazon
  • Minimum 15% savings on dining
  • 1% fuel surcharge waiver

What is the Eligibility Criteria?

  • Age criteria: 18-60 years
  • Income criteria: Stable source of income
  • Residential Criteria: Must be a resident of India

Yes Bank Prosperity Reward Plus Credit Card

What are the Benefits?

  • Welcome reward points of 1250 on spends of INR 5,000 within first 30 days of card issuance
  • Bonus reward points of 12,000 on achieving spends of INR 3,60,000 or more in each year
  • Renewal membership fee of INR 350 can be waived by spending minimum INR 25,000, 12 months prior to the date of renewal.

What is the Eligibility Criteria?

  • Age Criteria: 21 to 60 years
  • Employment Criteria: Salaried or Self Employed
  • Income Criteria: Minimum Net Salary of INR 25,000 per month or Income Tax Return of INR 5 lakhs and above

For more information on Yes Bank Prosperity Reward Plus Credit Card, visit their website.

HDFC MoneyBack Credit Card

What are the Benefits?

  • Reward points can be accrued and redeemed as cashback against the outstanding amount
  • Get exciting gifts and air miles from an exclusive rewards catalogue
  • Get 100% more reward points on all your online spends
  • 1% fuel surcharge waived off on fuel transactions

What is the Eligibility Criteria?

  • Age Criteria: 21 to 60 years for a salaried individual and 21-65 for a self-employed individual

For more information on HDFC MoneyBack Credit Credit Card, visit their website.

HDFC Bharat Cashback Credit Card

What are the Benefits?

  • 5% Cashback on fuel spends, grocery spends, EasyEMI, PayZapp and bookings through IRCTC
  • 1% fuel surcharge waived off on fuel transactions

What is the Eligibility Criteria?

  • Age Criteria: 21 to 60 years for salaried individuals and 21-65 for self-employed individuals
  • Income Criteria: Minimum Net Salary of INR 12,000 per month or Income Tax Return of INR 2 lakhs and above

For more information on HDFC Bharat Cashback Credit Card, visit their website.

HSBC Smart Value Credit Card

What are the Benefits?

  • Attractive instalment plans at 10.99% p.a. for EMI products booked within the first 90 days of card issuance
  • INR 200 BookMyShow voucher on spending more than INR 15,000 a month
  • 3X rewards on online, dining & telecom spends

What is the Eligibility Criteria?

  • Age criteria: 18 to 65 years
  • Income criteria: Minimum annual income should be INR 3,00,000 p.a. for salaried individuals
  • Location Criteria: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Kolkata and Pune

For more information on HSBC Smart Value Credit Card, visit their website.

Is there an app that rewards low-income credit card holders with high-rewarding deals?

There most definitely is! The Cred App is the only platform where you get rewarded for paying your credit card bills on time. Your income is overlooked and your credit score is only taken into account. If you have a credit score of 750 and above, you can become a member at Cred.

Cred rewards you with exclusive rewards like VIP tickets to concerts and offers from brands such as Airbnb, BookMyShow, Urban Ladder and FreshMenu. If you already own a credit card, you can download now using your iOS or Android device!

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